Additional Living Expenses Coverage

Comprehensive coverage for temporary housing and living expenses when your mobile home is uninhabitable due to covered damage. Don't get stuck paying out-of-pocket for hotels and rentals.

12-24 Month Coverage

Extended coverage period ensures you have a place to live while your mobile home is being repaired or replaced - no matter how long it takes.

Complete Living Expense Protection

When covered damage makes your mobile home uninhabitable, our Additional Living Expenses coverage pays for your temporary housing and increased living costs until you can return home.

Temporary Housing

Hotels, motels, rental homes, or apartments while your mobile home is being repaired or replaced.

Increased Food Costs

Restaurant meals and takeout when you don't have access to your kitchen and normal cooking facilities.

Storage Costs

Storage unit rental for your belongings and furniture during repairs or reconstruction.

Transportation Expenses

Additional transportation costs due to temporary relocation, including gas, parking, and public transit.

When You Need Temporary Housing

Additional Living Expenses coverage kicks in when covered damage makes your mobile home uninhabitable. Here are common scenarios when you'd need this protection.

Fire Damage

Fire damage requiring extensive repairs or complete reconstruction. Coverage continues until you can safely return home.

Typical Duration: 6-18 months

Flood Damage

Flood damage requiring major repairs, flooring replacement, and mold remediation making the home temporarily uninhabitable.

Typical Duration: 3-12 months

Storm Damage

Hurricane, tornado, or severe wind damage requiring roof replacement, structural repairs, or siding work.

Typical Duration: 2-6 months

Vandalism Repair

Extensive vandalism requiring interior repairs, window replacement, or electrical work making the home unsafe.

Typical Duration: 1-4 months

Tree Fall Damage

Large tree falling on mobile home causing structural damage, roof collapse, or making the home unsafe to occupy.

Typical Duration: 2-8 months

Freeze Damage

Frozen pipes causing water damage, or heating system failure making the home uninhabitable during cold weather.

Typical Duration: 1-3 months

Typical Living Expense Costs

See how quickly temporary living expenses add up and why this coverage is essential for mobile home owners.

Hotel/Motel

$80-150

per night

Monthly: $2,400-4,500

Rental Home

$1,200-2,500

per month

Plus deposits & fees

Food Costs

$500-1,000

extra per month

Restaurant vs. home cooking

Storage Unit

$100-300

per month

For furniture & belongings

Total Monthly Cost Without Coverage

$4,000 - $8,000+

These costs can quickly drain your savings - but with Additional Living Expenses coverage, they're covered by your policy.

Mobile Home Repair Considerations

Mobile home repairs often take longer than traditional home repairs due to specialized parts, contractors, and construction methods. Our coverage recognizes these unique challenges.

Extended coverage periods for specialized repairs

Coverage during parts ordering and delivery delays

No penalties for contractor availability issues

Community regulations and permit delay coverage

Simple Living Expense Claims

When you need temporary housing, our streamlined process ensures you get the help you need quickly.

Report Damage

Call us immediately when damage makes your mobile home uninhabitable. We'll assess the situation and authorize temporary housing.

Get Temporary Housing

We can help arrange temporary accommodations or reimburse you for reasonable lodging expenses you arrange yourself.

Keep Receipts

Save all receipts for lodging, meals, storage, and additional transportation costs. We'll need these for reimbursement.

Regular Reimbursement

Submit receipts monthly for prompt reimbursement. Coverage continues until your mobile home is habitable again.

Don't Get Stuck Paying Out-of-Pocket

Temporary living expenses can cost thousands per month. Protect yourself with Additional Living Expenses coverage that ensures you have a place to stay while your mobile home is being repaired.

Get Coverage Today Call 1-800-522-0146

12-24 month coverage • Reasonable expense reimbursement • Mobile home specialists since 1961